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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $147,006 | $183,592-19.9% | $155,574-5.5% | $145,877+0.8% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 14.56% | 61.37%-46.8pp | 64.87%-50.3pp | 551.28%-536.7pp |
| Employer contribution / active EE | $22,500 | $5,317+323.2% | $4,676+381.2% | $4,663+382.5% |
| Participant deferral / active EE | $16,200 | $6,466+150.5% | $5,629+187.8% | $6,691+142.1% |
| Admin fee / account holder | $552 | $19,316-97.1% | $15,914-96.5% | $13,402-95.9% |